Coverage & Limits

Additional Details and Exclusions

target with dollar sign icon

Limits of Insurance

Coverage only applies when a “Limit of Insurance” is indicated. If $0 of no limit is shown – the no coverage applies. The most we pay for “Loss” in any one occurrence is the applicable Limit of Insurance shown on “your” certificate of coverage.

Firing of Gun

We pay for “Loss” to your “Sporting and Hunting Guns” caused by or resulting from the bending, bulging, twisting, cracking, breaking or blowing up of the barrel(s) of that property, which occurs when Covered Property is fired.

The most we pay in any one occurrence or in any annual policy period is $5,000.

Debris Removal

Following a covered “Loss,” we will pay your expenses to remove debris of property covered by this Coverage Form. The “Loss” must occur during the policy period. We will pay your debris removal expenses only if they are reported to us in writing within 180 days of the date of the direct physical “Loss.” The most that we will pay is 25% of the amount that we pay for the direct physical “Loss,” prior to the application of the policy deductible. Any payment is included within and will not increase the applicable Limit of Insurance.

However, when the debris removal expense is greater than the amount determined above, or when the sum of debris removal expense and the amount we pay for the direct physical “Loss” to Covered Property is greater than the applicable Limit of Insurance shown on the “Schedule of Coverages,” we will pay up to an additional $10,000 for debris removal expense.

This Additional Coverage does not apply to expenses to:

1) Extract “Pollutants” from land or water; or

2) Remove, restore, or replace polluted water or land.

Extended Warranty Coverage

We pay the prorated cost, up to $1,000 in any one occurrence, for the unused portion of non-refundable extended warranties, maintenance contracts, or service contracts that you purchased applicable to your “Sporting and Hunting Guns,” which are no longer valid as a result of direct physical loss to your “Sporting and Hunting Guns” caused by or resulting from a Covered Cause of Loss. This coverage only applies if:

  1. You include the cost of your extended warranty coverage to the value of covered property shown on the Schedule; and
  2. You repair or replace covered property.
Fraud and Deceit

We cover theft of covered property when you, your agents or consignees are fraudulently induced to part with the covered property:

  1. To persons who falsely represent themselves as the proper persons to receive the property;
  2. By the acceptance of fraudulent bills of lading or shipping receipts; or
  3. As a result of or directly related to the use of any electronic data processing hardware or software.

The most we pay in any one occurrence for Fraud and Deceit Coverage is $25,000.

In no event will this exceed the applicable limit for Covered Property.

Fungus, Wet Rot, Dry Rot and Bacteria

The coverage we provide for “Fungus,” wet rot, dry rot and bacteria is limited. We will pay for direct physical loss to Covered Property caused by “Fungus,” wet rot, dry rot, or bacteria, including the cost of removal of the “Fungus,” wet rot, dry rot, or bacteria.

We only provide the coverage when the “Fungus,” wet rot, dry rot and bacteria is caused by or results from a “Specified Cause of Loss” other than fire, lightning, or flood that occurs during the policy period.

At the time of “Loss” and following that occurrence, you must use all reasonable means to save and preserve the property from further damage.

This Additional Coverage does not apply to ‘Trophies.”

The maximum amount that we will pay under this limited coverage is $2,500.

Insufficiency of Limits

In the event that your scheduled “Sporting and Hunting Guns” incur direct physical loss by a Covered Cause of Loss that results in a total loss and the applicable Limit of Insurance is not adequate to replace damaged property with similar property of like kind and quality and used for the same purpose, we will pay an additional Limit of Insurance.

We will pay up to an additional 25% of the scheduled Value, but in no event to exceed the Any One Occurrence Limit of Insurance indicated on the Certificate of Coverage.

Inventory and Appraisals

We will pay those necessary and reasonable expenses that you incur at our direction to determine the amount of covered “Loss.” But we do not cover any loss adjustment expenses that you incur for any of the following:

  1. Payments to public adjusters or any other outside claims expense;
  2. Payments to lawyers or any other legal fees;
  3. Payments to insurance agents or brokers;
  4. Any expenses incurred for an examination under oath, even if required by us;
  5. Any expense incurred in accordance with the appraisal section of the Commercial Inland Marine Conditions. This provision does not apply to the extent that the Additional Coverage applicable to Diminished Value applies; or
  6. Any expense that you incur to prove that a “Loss” is covered.

The most we will pay in any one occurrence for Inventory or Appraisals is $25,000.

This is the only coverage that applies to Inventory or Appraisals.

No deductible will apply to this Additional Coverage.

Newly Acquired Sporting and Hunting Guns

1) We pay for direct physical “Loss” to “Sporting and Hunting Guns” acquired by you during the policy period, caused by a Covered Cause of Loss. Coverage applies until the first of the following occurs:

  • You report the newly acquired property to us;
  • 90 days pass from the date you acquire that property; or
  • This policy expires.

We will charge you an additional premium for the reported values from the date you acquire the Property covered by this Additional Coverage. Such premiums are due immediately.

2) The most we pay for any “Loss” under this Additional Coverage is the least of the following:

  • The amount determined under the section applicable to Valuation and Loss Payment; or
  • $25,000.
Newly Acquired Trophies

1) We will pay for direct physical “Loss” to “Trophies” acquired by you during the policy period, caused by a Covered Cause of Loss. Coverage applies until the first of the following occurs:

  • You report the newly acquired property to us;
  • 30 days pass from the date you acquire that property
  • This policy expires.

We will charge you an additional premium for the reported values from the date you acquire the property covered by this Additional Coverage. Such premiums are due immediately.

2) The most we pay for any “Loss” under this Additional Coverage is the least of the following:

  • Your acquisition costs; or
  • $25,000.
Preservation of Covered Property

If it becomes necessary to move Covered Property from the premises described on “your” certificate to preserve it from imminent “Loss” from a Covered Cause of Loss, we will pay reasonable expenses that you incur to move or store covered property. The most we will pay in any one occurrence for Preservation of Covered Property is $10,000. Subject to this sub-limit of insurance, we will provide up to 90 days of storage charges.

Pollutant Cleanup and Removal

We will pay to extract “Pollutants” from land or water if the discharge, dispersal, seepage, migration, release or escape of “Pollutants” is caused by or results from a Covered Cause of Loss to Covered Property that occurs during the policy period. The expenses to extract “Pollutants” will only be paid if they are reported to us in writing within 180 days of the date of the covered “Loss.”

This Additional Coverage does not apply to costs to test for, monitor, or assess the existence, concentration, or effects of “Pollutants” in land or water. But we will pay for testing which is performed in the course of extracting the “Pollutants” from land or water.

The most we will pay under this Additional Coverage in any one policy period is $10,000

This is the only coverage that applies to Pollutant Clean Up and Removal.

Sporting and Hunting Guns and Accessories Owned by Others

We will pay for direct physical “Loss” to “Sporting and Hunting Guns” and “Accessories” owned by others in your care, custody and control.

The most we will pay for this additional coverage is $25,000.

Reward Coverage

1) When we pay for loss to your Covered Property caused by theft or vandalism, we will reimburse you for any documented payments that you make to others as reward(s), provided these reward payments cause:

  • The return of your stolen property to the custody of the police or a law enforcement agency; or
  • The arrest and conviction of any person(s) committing the covered theft or vandalism loss.

2) We will not cover any reward payment you make to any of the following:

  • You or any member of your family;
  • Any member of the applicable law enforcement agency; or
  • Any person involved in the crime.

The most we pay in any one occurrence is $2,500. You and we will determine the amount we will pay.

Sporting and Hunting Guns and Accessories in Transit or While Not At Your Locations

We will pay for “loss” to Covered Property while:

  1. In transit; or
  2. While temporarily not at your “locations”

The most we will pay for loss under this additional coverage is the least of the following;

  1. the value of the covered property; or
  2. $500,000
Trophies in Transit or While Not at Your Location

We will pay for “loss” to Covered Property while:

  1. In transit; or
  2. While temporarily not at your “locations”

The most we will pay for loss under this additional coverage is the least of the following:

  1. The value of the covered property; or
  2. $100,000
Tax Stamps

When a covered gun owned by you incurs a total “Loss” by a Covered Cause of Loss, we will reimburse you for the necessary and reasonable expenses that you make to a governmental authority for tax stamps or federal stamps required for your legal ownership of that property. The most we pay for any one gun is $200 and the most we pay in any one occurrence is $1,000. This is a separate limit of insurance.

This Additional Coverage does not apply if property is not replaced. No deductible applies to this Additional Coverage.

Loss Exclusions

We will not pay for “Loss” caused directly or indirectly by any of the following. Such “Loss” is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the “Loss.” These exclusions apply whether caused by any act of nature or otherwise caused.

Governmental Action

Governmental action means any act of seizure, confiscation or destruction by order of any governmental authority. But we will pay for acts of destruction ordered by governmental action and taken at the time of a fire to prevent its spread if that fire would be covered under this Coverage Form.

Nuclear Hazard

Nuclear Hazard or radiation, or radioactive contamination, however caused.
But if nuclear reaction or radiation, or radioactive contamination, results in fire, we will pay for the loss or damage caused by that fire.

War and Military Action
  1. War, including undeclared or civil war;
  2. Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign, or other authority using military personnel or other agents; or
  3. Insurrection, rebellion, revolution, usurped power or action by governmental authority in hindering or defending against any of these.
Mold

Mold means “Fungus,” wet rot, dry rot, or bacteria. But we will pay when “Fungus,” wet rot, dry rot, or bacteria is caused by or results from fire or lightning or flood.

Consequential Loss

We will not pay for “Loss” caused by or resulting from any of the following:

  1. Delay, loss of use, loss of market, or any other consequential loss.
  2. Unexplained disappearance.
  3. Shortage found upon taking inventory.
  4. Illegal or dishonest acts by: You or your family members, any of your partners, your directors or trustees, your authorized representatives or employees; or anyone, other than a carrier for hire, to whom you have entrusted the Covered Property, including their employees, for any purpose. This applies whether these individuals are acting alone or in collusion with others; and whether or not acts are occurring during the hours of employment. Note: This exclusion does not apply to acts of destruction by your employees, but theft by your employees is not covered.
  5. Discharge, dispersal, seepage, migration, release or escape of “Pollutants” unless the discharge, dispersal, seepage, migration, release or escape is itself caused by any of the “Specified Cause of Loss.” But if the discharge, dispersal, seepage, migration, release or escape of “pollutants” results in a “Specified Cause of Loss,” we will pay for the damage caused by that “Specified Cause of Loss.”
  6. Firing of “Sporting and Hunting Guns.”

 

We will not pay for loss caused by or resulting from any of the following. But if loss by a Covered Cause of Loss results, we will pay for the loss caused by that Covered Cause of Loss.

  1. Wear and tear, depreciation or obsolescence.
  2. Rust, corrosion, decay, deterioration, hidden or latent defect, inherent vice, or any quality or fault in the property that causes it to damage or destroy itself.
  3. We will not pay to correct or make good any fault, inadequacy or defect of covered property. We will also not pay for any loss to the property caused by or resulting from any fault, inadequacy or defect of the Covered Property.
  4. Theft of Covered Property From a vehicle unless at the time of theft, there are signs that its windows, doors and compartments were closed and locked and there are visible signs that the theft was the result of forced entry. This exclusion does not apply to property that is in the custody of a carrier for hire; or at a shooting event or gun range.
  5. Processing or work upon property. But we will pay for resulting fire or explosion.
  6. Insects, vermin or animals.
  7. Breakage or damage caused by chipping, scratching, and marring.
  8. Voluntary parting with any property by you or anyone entrusted with the property.
  9. Rain, snow, sleet or dust to property in the open.

Begin Your Application